TIAA-CREF is pleased to help the employees of University of Iowa plan for retirement. For over 90 years, we have been helping millions of people in the academic, medical, cultural and research fields plan for retirement. We offer you options to tailor your plan to your investment style and goals.

Life can be complicated, but planning for retirement doesn't have to be. To help you plan for your goals, we offer:

• Sound guidance. Speak with a TIAA-CREF consultant for answers that make sense for you.
• Retirement choices that suit your style.
• A simplified "one decision" strategy. You pick one from a series of new Lifecycle Index Funds targeted to your expected year of retirement.
• A "Build your own portfolio" strategy. You create your own long-term portfolio from a wide range of investment choices. You can refer to sample portfolios showing various risk tolerance levels.
• Low cost. TIAA-CREF is committed to keeping costs low, with expenses that are among the lowest in the variable annuity and mutual funds industries¹.
• Top ratings. For it's stability, claims-paying ability, and overall financial strength, our life insurance company affiliate, TIAA, currently holds the highest possible ratings from the four leading insurance company rating agencies: Standard & Poor's (AAA as of 6/09), Moody's Investors Service (Aaa as of 5/09), A.M. Best (A++ as of 9/08), and Fitch (AAA as of 6/09). These ratings don't apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA's claims-paying ability. Ratings are subject to change. There is no guarantee that current ratings will be maintained.

If you are new to the University of Iowa Retirement Plans, you must first enroll to take advantage of these investment strategies.

If you are a current participant in one or more of the plans, check out our investment choices to see the new funds available to you.

¹ Source: Morningstar Direct (September 2009) based on Morningstar expense comparisons by category.

C46377

Retirement Annuity (RA) TIAA Contract form series 1000.24/CREF Certificate series C1000.11 STD.1
Group Supplemental Retirement Annuity (GSRA) TIAA Contract form series G1250.1 (GSRA's are not available in all states)/CREF Certificate series CG1250.1